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StuartUK33
Starting Member
United Kingdom
2 Posts |
 Posted - 01 September 2009 : 10:19:25
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Morning all,
Just a quick question relating to my partner and joint accounts...
She was married (technically still is until the divorce goes through), split up in January this year..
Her ex husband had his own business, but the 2 of them had a few joint accounts (a bank account and a few credit cards). She never had any cards, just her name as joint holder, never used the accounts...
The ex declared himself bancrupt and it went through in April/May this year..., he included all credit cards and so on, but.....
She has been told the creditors can chase her for the debt, just because her name was on the agreements, despite the debt being taken into account by the Official Receiver...
So am wondering, can creditors chase her at her new address ? She just had a debt collector send a letter to her house asking for £70 relating to a bank account that was £70 over (which was frozen by the receiver back in April). She is a bit unsure what to do, pay it or tell her ex to deal with it ?
I assumed if a debt is included in a bancruptcy, the creditor cant chase u?
cheers
Stuie
A little help can help me go a long way :) |
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Jane.l
Average Member
511 Posts |
Posted - 01 September 2009 : 10:22:20
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| If it is a joint account and joint debt then yes, she is liable for the FULL amount, it is only her ex's liability that is written off in his bankruptcy. |
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StuartUK33
Starting Member
United Kingdom
2 Posts |
Posted - 01 September 2009 : 16:27:24
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Cheers for the reply...
Doesnt sound fair, as a husband or wife could force the other into opening a joint account/loan or credit card, max it out knowing there relationship is gonna break down, declare bancruptcy (and still continue to trade) and leave all the debts that, that person ran up, to the other!
oh well, crazy stuff!
A little help can help me go a long way :) |
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Joint Accounts and Bancruptcy...
